Natural hazards · Crosslake

Crosslake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Crosslake comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Crosslake?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Crosslake to be higher than in 74% of U.S. communities, mostly from inland flooding.

Inland flooding82%Cold waves10%Everything else8%

By hazard

What Crosslake faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

82% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 2 years in the area

Cold waves

10% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 14 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Crosslake flood?

FEMA's records show no paid flood insurance claims in Crosslake.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Crosslake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Crow Wing County.

Disasters that hit Crosslake

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Crosslake itself: aid to households, or repair grants to the City of Crosslake.

Brought FEMA money into CrosslakeDeclared for Crow Wing County only

2022

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

$16K to the City of Crosslake for repairs

Crow Wing County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Crosslake

Crosslake and the towns around it

Very lowLowModerateHighVery high

Crosslakemostly inland floodingHigh

Fairfieldmostly inland floodingHigh

Fifty Lakesmostly inland floodingHigh

Missionmostly inland floodingHigh

Idealmostly inland floodingHigh

Breezy Pointmostly inland floodingModerate

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Crosslake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Crosslake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Crosslake. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Crosslake total about $2.5M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.